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IDFC FIRST Bank
Proud winner of ABECA 2024 - AmbitionBox Employee Choice Awards
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I was interviewed in Jul 2024.
Experienced credit manager with a strong background in financial analysis and risk assessment.
Over 5 years of experience in credit management
Proficient in financial analysis and risk assessment
Strong communication and negotiation skills
Proven track record of reducing bad debt and improving cash flow
Familiar with credit scoring models and credit risk management techniques
I have over 10 years of experience in credit management, including analyzing credit reports, setting credit limits, and managing collections.
Analyzed credit reports to assess risk levels
Set credit limits based on customer creditworthiness
Managed collections process to ensure timely payments
Negotiated payment terms with delinquent customers
I have successfully reduced bad debt by 20% through implementing more efficient credit control processes.
Implemented new credit control processes resulting in a 20% reduction in bad debt
Negotiated payment plans with delinquent customers to recover outstanding debts
Improved credit risk assessment procedures to minimize potential losses
Led a team of credit analysts to streamline credit evaluation process
Reasoning, logical, and mathematical skills.
I am currently earning $60,000 annually and I am open to discussing my salary based on the responsibilities and requirements of the Credit Manager role.
Provide your current salary without hesitation
Express openness to discussing salary based on job responsibilities
Focus on aligning salary expectations with the requirements of the Credit Manager position
I applied via Walk-in and was interviewed in Apr 2024. There was 1 interview round.
Seeking new challenges and growth opportunities in a larger organization.
Desire for career advancement
Looking for new challenges
Seeking growth opportunities
Interested in larger organization with more resources
I was interviewed before Feb 2024.
IDFC FIRST Bank interview questions for designations
I applied via Referral and was interviewed in Aug 2023. There were 2 interview rounds.
Get interview-ready with Top IDFC FIRST Bank Interview Questions
I applied via Recruitment Consulltant and was interviewed before Jan 2023. There were 2 interview rounds.
STD in CIBIL stands for 'Standard' and refers to a credit score category indicating a moderate level of creditworthiness.
STD is one of the credit score categories used by CIBIL, a credit information company in India.
It represents a moderate level of creditworthiness, indicating that the borrower has a fair credit history.
Borrowers with an STD rating may have a mix of positive and negative credit behavior.
Lenders may co...
Delinquency ratio is a financial metric that measures the percentage of outstanding loans that are past due.
Delinquency ratio is calculated by dividing the total amount of delinquent loans by the total outstanding loan balance.
It is used by credit managers to assess the credit quality and risk of a loan portfolio.
A high delinquency ratio indicates a higher risk of default and potential financial losses.
For example, if ...
Normal reasoning ,English ,Aptitude questions
I applied via Naukri.com and was interviewed before Jun 2023. There was 1 interview round.
I sanction an average of 50 files per month.
I typically sanction around 50 files per month.
The number of files sanctioned can vary depending on the complexity of each case.
For example, in busier months, I may sanction up to 70 files, while in slower months, it may be closer to 40.
I prioritize quality over quantity when sanctioning files to ensure accuracy and compliance.
Credit worthiness can be assessed with income docs by analyzing income stability, consistency, and sufficiency.
Verify the source of income to ensure it is stable and reliable.
Check for consistency in income levels over a period of time.
Assess whether the income is sufficient to cover existing debts and potential new credit obligations.
Look for any irregularities or discrepancies in the income documentation.
Consider the...
I applied via Naukri.com
I applied via Referral and was interviewed before Dec 2022. There were 2 interview rounds.
DSCR stands for Debt Service Coverage Ratio and ICE Ratio stands for Interest Coverage Ratio.
DSCR is a financial ratio that measures a company's ability to cover its debt payments with its operating income.
It is calculated by dividing the company's operating income by its total debt service.
A DSCR of 1 or higher indicates that the company is generating enough income to cover its debt obligations.
ICE Ratio, on the other...
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The duration of IDFC FIRST Bank Credit Manager interview process can vary, but typically it takes about less than 2 weeks to complete.
based on 22 interviews
3 Interview rounds
based on 169 reviews
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